Does Overtime and Bonus Income Count for a Mortgage in Arizona? 2026 Qualifying Rules

Published on: 09/13/2026

Overtime, bonus and commission income can count toward an Arizona mortgage, but lenders generally want a two year history and qualify you on the average, not your best year. Here is the real math. Pillar Mortgage Group, NMLS #2700076

Arizona Mortgage and Home Selling Guides

Straight answers on buying, refinancing, and selling a home in Scottsdale, Phoenix, and across Arizona, from Blake Hermann, Director of Lending at Pillar Mortgage Group (NMLS #2271358).

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